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Nov 25, 2013 23:08:43 GMT
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Hi guys,
I'm looking into getting myself a mk1 caddy pick up but i'm unsure on the insurance side of things.
I cant seem to get an online car insurance quote as its telling me i have to insure it as a commercial vehicle, and I'm definitely not going to be using it for business or commercial use at all, just my daily.
So knowing that a few of you one here have these and other vans/pickups, is there a way around this? Or do i just need to bite the bullet and let them rape me for uaing a "commercial vehicle"?
Cheers
Rob
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Insuring a van?Deleted
@Deleted
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Phoning the insurance companies is the only way to get real quotes.
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Yeah thats what i thought
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Nov 26, 2013 12:07:10 GMT
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With it being a Caddy, make sure you phone a specialist up.
Adrian Flux can be very good with modified comercial's (thats what it will be classed as regardless)
(Any women reading the next statement, I'm sorry - but this happened to me more than once)
If you phone Adrian Flux up and you get a woman, I will put money on them not being helpful & the price they have is the only price they can do - I saved £1000 by hanging up and phoning back & speaking to someone who knew what they were on about.
This happend twice with AF, but they were the only company that would give a good quote on a modified pickup (Hilux - First quote £1700 - ended up insured for £680!)
As i said, please don't take that the wrong way, but that is what I found.
Just another thought, I have had a T4, Suzuki Supercarry & MK2 Caddy Van's insured through Tesco & Direct line in the past with mirrored no claims & they were coverd for under £400 tpft with full comercial use (didnt need it as they were just used for a bit of fun)
So if your keeping it 100% standard, try Tesco/Direct line van insurance quotes - you may be surprised.
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Last Edit: Nov 26, 2013 12:12:15 GMT by joem83
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Nov 26, 2013 13:24:51 GMT
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Thats really helpful cheers. Yeah i cant imagine it staying particularly standard so i'll try flux. I'm still only 21 at the moment so its not exactly cheap still
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mt2man
Posted a lot
Posts: 1,366
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Nov 26, 2013 13:48:44 GMT
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I happen to have a caddy for sale  bit.ly/187e0Q5I'm 21 and think insurance was through Adrian flux but will have to have a look, I've got too many policies on the go ATM! |
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Nov 26, 2013 15:11:16 GMT
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It might be cheaper to insure for carriage of your own goods anyway, ins co have never understood goods vehicles used privately. Adrian Flux quoted £3k to insure my transit......NFU were extraordinarly helpful.
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Last Edit: Nov 26, 2013 15:14:29 GMT by dodgerover
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Nov 26, 2013 15:32:04 GMT
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If you don't mind me asking whats the premium like?
Oh thats yours?! Ive been watching it for days. Its so annoying as I'm looking to buy in a few weeks and its exactly what I'm looking for! Ha typical
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Nov 26, 2013 15:33:16 GMT
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It might be cheaper to insure for carriage of your own goods anyway, ins co have never understood goods vehicles used privately. Adrian Flux quoted £3k to insure my transit......NFU were extraordinarly helpful. Blimey. Yeah someone told me before that insuring a van with carriage of goods/ business use can be alot cheaper |
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Nov 26, 2013 15:57:21 GMT
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AutoNet Insurance.
Used them for the past 3 vans, as they were the cheapest around by miles.
Comes as standard with own equipment and tools coverage.
I had the same problem with them being vans, and told that I'd have to go the commercial route...
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dazcapri
North East
Enter your message here...
Posts: 1,061
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Nov 26, 2013 18:00:10 GMT
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AutoNet Insurance. Used them for the past 3 vans, as they were the cheapest around by miles. Comes as standard with own equipment and tools coverage. I had the same problem with them being vans, and told that I'd have to go the commercial route... I had an Escort van insured with them for 3 years and always found them cheap enough.The only thing to watch out for with a commercial policy is,even fully comp,you can't drive other cars on your policy like some car policies allow |
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Last Edit: Nov 26, 2013 20:08:57 GMT by dazcapri
Mk3 Capri LS
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Nov 26, 2013 18:13:37 GMT
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I pay £300 for mine with the wife on the policy, all mods declared and insured for social use.
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Nov 26, 2013 18:56:00 GMT
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I imagine age still plays a huge factor with commercials too?
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kenb
Part of things
Posts: 604
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Nov 26, 2013 19:55:08 GMT
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Co-Op used to insure privately owned/used commercials and quite cheaply too. My Ford Ranger DC (classed as comm vehicle) is currently insured with NFU. They were cheapest of anybody.
Re Adrian Flux, I'm amazed they're still in business to be honest the number of disgruntled customers I've come across over the years. I fell out with them 20 years ago when they trebled the amount I was paying on a specialised vehicle for no apparent reason. Been a few complaints on various forums recently over agreed values, and cancelling policies for seemly no reason other than they can.
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Insuring a van?Deleted
@Deleted
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Nov 27, 2013 22:14:36 GMT
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AutoNet Insurance. Used them for the past 3 vans, as they were the cheapest around by miles. Comes as standard with own equipment and tools coverage. I had the same problem with them being vans, and told that I'd have to go the commercial route... I had an Escort van insured with them for 3 years and always found them cheap enough.The only thing to watch out for with a commercial policy is,even fully comp,you can't drive other cars on your policy like some car policies allow 'some car policies' are the key words as even with car fully comp insurance please don't assume you will be covered to drive other vehicles, a lot of companies have dropped the DOC clauses. |
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Nov 27, 2013 22:18:49 GMT
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Yeah i've been told i would have to pay extra
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